On this page16 sections
- Ratings and complaints
- Progressive vs. competitors
- Pricing
- Step by step
- Is Progressive renters insurance any good?
- Progressive renters insurance cost and bundle savings
- How Progressive renters insurance works
- How Progressive Renters Insurance Works
- Progressive Renters Insurance BestGuide Rating
- Claims, deductibles and what is not covered
- Progressive complaints and ratings
- Canceling Progressive renters insurance
- Who should look elsewhere
- What customers say
- Alternatives
- FAQ
Progressive renters insurance is a legitimate, low-cost option that makes the most sense if you already insure a car with Progressive. Your policy may be written by Progressive's affiliate (Progressive Home, also called ASI) or by an unaffiliated insurer such as Homesite, and that company handles your claims, so check the insurer named on your quote. Progressive says renters policies average $13 to $27 a month, and its bundle discount is small, about $30 per six-month auto term on average. In J.D. Power's 2026 renters study, Progressive Home scored 672, below the 682 average.
- Price
- $13 to $27 per month on average, based on Progressive Home 2025 data, as listed October 20261
- Bundle discount
- Average $30 saved on auto when you add renters (six-month term), or about 3% in most states, per Progressive; not available in all states2
- Who insures you
- Policies are placed by Progressive Advantage Agency with affiliated Progressive insurers or unaffiliated insurers; each insurer is responsible for its own claims1
- Standard coverage
- Personal property (replacement cost or actual cash value), personal liability, loss of use, medical payments to others3
- Optional coverage
- Water backup and personal injury (libel, slander); flood is not covered3
- Single deductible
- One deductible for an event that hits both your car and renters policy, only when the renters policy is with ASI (Progressive Home)2
- J.D. Power 2026
- Progressive Home ranked 7th of 16 renters insurers with 672 points; segment average 6825
Pros
- Low average premiums, with quotes online in minutes
- Easy to manage alongside a Progressive auto policy
- Replacement cost coverage is available for belongings
- Single deductible for a shared auto and renters loss on ASI policies
- Several small discounts: quote in advance, pay in full, paperless, gated community
Cons
- Your insurer may not be Progressive, so claims service and complaint records vary
- Bundle savings are modest, about $30 per six-month auto term on average
- Customer satisfaction is slightly below the J.D. Power renters average
- Single deductible benefit applies only to ASI renters policies
- Flood and earthquake damage need separate coverage
Best for: Renters who already have Progressive car insurance and want one company to deal with for both policies.
Skip it if: You want the best claims service ratings or a single insurer you can research ahead of time, since Progressive may place you with another company.
Progressive vs. competitors
| Company | Advertised price | J.D. Power 2026 renters score | Who writes the policy |
|---|---|---|---|
| Progressive | $13 to $27 a month average | 672 | Progressive Home or an unaffiliated insurer |
| Lemonade | From $5 a month; about $16 a month average | 674 | Lemonade |
| State Farm | About $13 a month for $34,000 of coverage (NAIC survey figure) | 702 | State Farm |
| Allstate | From $5 a month | 667 | Allstate |
Progressive pricing at a glance
Progressive renters insurance cost figures, as published October 20261
| Figure | Amount | Basis |
|---|---|---|
| Progressive average | $13 to $27 a month | Progressive Home 2025 policy data |
| NerdWallet average | About $215 a year | $30,000 property, $100,000 liability, $500 deductible; national average $165 |
| Insurify average | $26 a month | $30,000 property, $100,000 liability; national average $22 |
| Auto bundle discount | About 3%, or $30 on average | Applied to your auto policy, six-month term, most states |
| Switching car insurance | $795 average | Savings for drivers who switch auto to Progressive, not a renters discount |
Your price depends on your state, coverage limits, deductible and the insurer Progressive places you with.
Progressive, step by step
Get a quote
Quote online or by phone. Check which insurer is named on the quote, since Progressive may place you with Progressive Home (ASI) or a company such as Homesite.
Pick your coverage
Choose limits for belongings and liability, a deductible, and replacement cost or actual cash value. Add water backup or personal injury coverage if you need them.
Add discounts
Quoting at least three days ahead, paying in full, going paperless and bundling with a Progressive auto policy can lower the price.
File a claim
Progressive lists a 24/7 renters claims line at 1-855-347-3749, but the insurer on your policy handles the claim itself.
Change or cancel
Contact Progressive or the insurer to cancel. Ask how any unearned premium is refunded and whether a fee applies before you switch.
Is Progressive renters insurance any good?
Progressive is one of the largest U.S. insurers, and AM Best affirmed an A+ (Superior) financial strength rating for its insurance subsidiaries in April 2025. The catch with renters insurance is that Progressive mostly acts as the agent. Progressive Advantage Agency places your policy with an affiliated company (Progressive Home, also known as American Strategic Insurance or ASI) or with an unaffiliated insurer such as Homesite, and Progressive’s site says each insurer is solely responsible for claims on its policies.
That means the claims experience and complaint record depend on the company named on your declarations page. Before you buy, look up that company’s complaint record with your state insurance department or the NAIC Consumer Insurance Search, and check its own financial strength rating.
In J.D. Power’s 2026 U.S. Home Insurance Study (released September 2026), Progressive Home scored 672 out of 1,000 for renters satisfaction, 7th of 16 ranked brands and below the 682 segment average. State Farm ranked highest at 702.
Progressive renters insurance cost and bundle savings
Progressive says renters insurance typically costs $13 to $27 a month, based on 2025 Progressive Home data, and advertises coverage for less than $1 a day. NerdWallet’s September 2026 review found Progressive Home averaged about $215 a year for $30,000 of personal property, $100,000 of liability and a $500 deductible, above the $165 national average it uses.
The bundle discount is smaller than many reviews suggest. Progressive’s renters page says bundling saves an average of $30 on your car insurance, and its discounts page says about 3% in most states, both based on a six-month term. The $795 figure on Progressive’s site is the average savings for renters who switch their car insurance to Progressive, not a renters bundle discount.
Other discounts include quoting at least three days before your policy starts, paying in full, receiving documents by email and living in a gated community. Availability varies by state and insurer.
How Progressive renters insurance works
When you buy renters insurance on progressive.com, Progressive Advantage Agency acts as the agent. It places your policy with Progressive Home (American Strategic Insurance, or ASI) or with an unaffiliated insurer such as Homesite. Progressive’s renters page says the rate and coverage are provided and serviced by affiliated and third-party insurers.
In practice this means three things:
- The insurer named on your quote and declarations page is the one that pays claims and sets claim rules.
- The single deductible benefit for a loss that hits your car and your belongings only applies to ASI policies.
- Ratings for “Progressive” may not describe your insurer. Look up the named company on the NAIC Consumer Insurance Search before you buy.
You can file a renters claim through Progressive’s 24/7 line at 1-(855) 347-3749, and it routes you to the insurer that services your policy.
How Progressive Renters Insurance Works
Getting a Renters Insurance Quote
You can get a renters insurance quote from Progressive online in minutes. The process involves providing your address, information about the building, and details about your belongings. It is important to estimate the value of your possessions accurately to ensure you are not underinsured. The online tool will also ask about existing Progressive policies to apply any multi-policy discounts immediately.
Standard Coverage Options
A standard Progressive renters insurance policy includes four main types of coverage. Personal property coverage protects your belongings from events like fire and theft. Personal liability coverage protects you financially if someone is injured in your rental unit. Loss of use coverage helps pay for temporary living expenses if your home becomes uninhabitable. Finally, medical payments to others covers minor medical bills for guests injured on your property, regardless of fault.
Policy Management and Claims
Once you purchase a policy, you can manage it through Progressive’s website or mobile app. This includes making payments, updating coverage, and filing a claim. When bundling policies, Progressive offers a single deductible benefit. If a single event (like a fire) damages both your car and your personal belongings in your apartment, you only have to pay one deductible instead of two, which can save you hundreds of dollars on a claim.
Progressive Renters Insurance BestGuide Rating
Progressive earns an Expert Score of 3.9 out of 5.0 from BestGuide’s expert panel. Our rating is based on a comprehensive analysis of the company’s reputation, services, transparency, customer satisfaction, and scale. This score places Progressive as a strong contender, particularly for a specific type of customer, but it is not a market-wide leader.
The score is supported by high marks in Scalability (95%) due to its nationwide presence and Services (85%), thanks to its strong bundling options. However, the overall score is significantly pulled down by a low score in Customer Satisfaction (65%). This reflects the data from the NAIC, which point to systemic issues in the customer service experience. Reputation (75%) and Transparency (70%) are moderate, reflecting a solid history but a standard quote-based pricing model.
What customers say about Progressive
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Low prices and quick online quotes
- Convenience of one company for car and renters coverage
- Polite, helpful individual agents
Common complaints
- Confusion over which company handles a renters claim
- Premium increases after the first term
- Slow claims and disputed payouts
- Long hold times and hard-to-reach service
- Billing errors and unexpected charges
Claims, deductibles and what is not covered
Standard policies cover your belongings, personal liability, extra living costs if your rental becomes unlivable, and minor medical bills for guests. You can choose replacement cost or actual cash value for belongings; replacement cost pays more after a loss but costs more. High-value items such as jewelry and art may have low limits unless you add a rider.
Renters policies do not cover flood damage, and Progressive sells water backup as an add-on. The single deductible benefit, where one event damages both your car and your belongings, applies only when your renters policy is written by ASI. If your quote shows a different insurer, ask how deductibles work for a shared loss.
Progressive complaints and ratings
Progressive Corporation’s headquarters profile with the BBB has a B- rating, is not accredited and lists 5,262 complaints in the last three years. That count covers every Progressive product, and most Progressive customers buy auto insurance, so it says little about renters policies alone. Trustpilot shows the same pattern: a 1.2 out of 5 score from 1,971 reviews, with 92% at one star and most reviews about car insurance.
Complaints that apply to renters buyers are about premium increases at renewal, billing errors, slow claims and long waits for service. Insurify and NerdWallet both point out that renters claims are handled by the insurer named on your policy, which confuses some customers.
To lower your risk, photograph your belongings and keep receipts, ask for every claim decision in writing, and file a complaint with your state insurance department if a claim stalls.
Canceling Progressive renters insurance
You can cancel by contacting Progressive or the insurer named on your policy. Whether you get money back depends on how you paid and the insurer’s rules: if you paid the full term upfront, you are usually owed the unused part of the premium, and some insurers keep a small share or charge a fee. Ask before you cancel, and have your new policy start before the old one ends so you are never uninsured. If your lease requires renters insurance, send your landlord proof of the new policy.
Who should look elsewhere
Progressive renters insurance makes the least sense if you do not insure a car with Progressive, because the main benefits (a small auto discount and the single deductible on ASI policies) come from bundling. It is also a weaker pick if you want to research the exact insurer before you buy, since you only see it on your quote. If claims service is your priority, State Farm ranked first in J.D. Power’s 2026 renters study, and USAA scored even higher for those eligible.
Alternatives to Progressive
- State Farm renters insurance Better if claims service matters most, since it ranked first in J.D. Power's 2026 renters study. Read review
- Lemonade renters insurance Better if you want an app-first policy written by the company you buy from, with prices starting at $5 a month. Read review
- Allstate renters insurance Worth a quote if you want a large insurer with local agents and a low advertised starting price. Read review
- Your landlord's required minimum only If your lease only requires liability coverage and your belongings are worth little, a bare-minimum policy from any insurer keeps the cost down.
Progressive reviews
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Frequently asked questions
Who underwrites Progressive renters insurance?
Progressive Advantage Agency places policies with affiliated insurers, mainly Progressive Home (American Strategic Insurance), or with unaffiliated insurers such as Homesite. The insurer named on your policy handles claims.
How much does Progressive renters insurance cost?
Progressive says the average is $13 to $27 a month based on 2025 data. NerdWallet's 2026 analysis found about $215 a year for a common coverage level, slightly above the national average it uses.
How much do you save bundling Progressive auto and renters?
Progressive says customers save an average of $30 on their car insurance per six-month term, or about 3% in most states. The $795 number is the average for switching car insurance to Progressive, not the bundle discount.
Does Progressive renters insurance cover water damage?
Progressive says a renters policy won't cover water damage from flooding, which needs separate flood insurance. Damage from a sewer or drain backup needs the optional water backup coverage, so ask what your policy covers for leaks and burst pipes.
Is Progressive renters insurance available in every state?
Progressive sells renters insurance in most states through Progressive Home or a partner insurer. Specific coverages, discounts and the insurer you are placed with vary by state, so check by ZIP code.
How do Progressive renters customers rate it?
In J.D. Power's 2026 renters study, Progressive Home scored 672 out of 1,000, a little under the 682 average and 7th of 16 brands. Experiences also depend on which insurer writes your policy.
Is Progressive renters insurance legit?
Yes. Progressive is a large U.S. insurer with an A+ financial strength rating from AM Best. Your policy may be written by Progressive Home or another licensed insurer, so check the company named on your declarations page.
What is the Progressive renters insurance claims number?
Progressive lists 1-855-347-3749 for renters claims, available 24/7. The insurer that services your policy handles the claim from there.
Does Progressive renters insurance cover theft?
Personal property coverage in a standard renters policy covers theft of your belongings, subject to your deductible and limits. Items such as jewelry may have low limits unless you schedule them, so check your policy.
What is Progressive's BBB rating?
Progressive Corporation's headquarters profile has a B- rating and is not BBB accredited. It lists 5,262 complaints in three years across all Progressive products, mostly auto.
Sources (13)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Progressive: Renters insurance (accessed October 11, 2026)
- Progressive: Renters insurance discounts (accessed October 11, 2026)
- Progressive: Renters insurance coverages (accessed October 11, 2026)
- NerdWallet: Progressive renters insurance review (accessed October 11, 2026)
- InsuranceNewsNet: J.D. Power 2026 U.S. Home Insurance Study release (accessed October 11, 2026)
- Business Wire: AM Best affirms credit ratings of The Progressive Corporation and its subsidiaries (accessed October 11, 2026)
- NAIC: Consumer Insurance Search (accessed October 11, 2026)
- BBB: Progressive Corporation (Headquarters) business profile (accessed October 12, 2026)
- Trustpilot: Progressive reviews (accessed October 12, 2026)
- Lemonade: Renters insurance (accessed October 12, 2026)
- State Farm: Renters insurance (accessed October 12, 2026)
- Allstate: Renters insurance (accessed October 12, 2026)
- Insurify: Progressive renters insurance review (accessed October 12, 2026)
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